Citibank’s Platinum Select credit card offers 0% balance transfer rates for 18 months, and we can attest that approval rates are actually relatively high, so it’s a great deal that can actually be gotten.

  • 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months.
  • After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
  • Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more
  • Citi® Identity Theft Solutions
  • Secure, free online account management
  • No annual fee

    • Apply Now!

But now, the introductory balance transfer rate has gotten even better!

Citi is offering an even better 0% for 21 months through certain channels, making it the best deal out there for balance transfers based on our calculators.

The main difference between the 18 month offer on their website and the new card is the APR range. The 0% for 18 month version of Citibank Platinum Select has an APR range of of 11.99% to 19.99%, whereas the 0% for 21 month version has an APR range of 12.99% to 19.99%.  In either case note that the upfront balance transfer fee is a whopping 5%, but if you’re taking advantage of a 21 month deal, it will almost certainly save you money anyway.

It’s the best balance transfer card, but not the best for purchase APR

The Platinum Select also has a pretty good introductory purchase APR offer, at 12 months. However, using our low APR credit card comparison tool, you can see that the Chase Slate Premium card could be a better deal for you. The calculator takes into account introductory APR rates, the time period for which you hold the balance, and the ongoing APRs at the end of your introductory window.

If you plan to hold on to the card for a long period of time, you may be better off checking out your local credit union or other offers to find a card with the lowest possible ongoing APR rate. You can also do this by adjusting the time period on our low apr credit card comparison tool.

And remember, it requires good credit to qualify.

Alternatives if you have bad credit

If you have bad credit, you should consider a new card that is guaranteed approval and has no annual fee, and a very reasonable 13.99% APR. The card from Anacott Financial requires $99 when you sign up, but you get it refunded back immediately on your first statement.

The best part about this unsecured credit card is that you can get it with extremely bad credit, so you won’t have to put up a huge deposit on a secured card in order to rebuild your credit.

Check it out-

  • 100% Approval*
  • No Credit Checks
  • Reports to Major Bureaus
  • No hidden/monthly fees
  • Line Limits up to $20000
  • See Gains of up to 100+ points

    • Apply Now!

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